JOY Maternity Insurance Plan
Starting at @44/day^- 96.6% Claims Settlement Ratio~~
- 22100+ Cashless Healthcare Providers^^
- 74.5 Lakh+ Insurance Claims Settled**
- Up to 30% Discount on Renewal
Insured 7,00,00,000+ lives
Looking to cover your maternity expenses?
JOY is a thoughtfully designed health insurance plan with maternity coverage for expecting mothers and newborns.
By continuing, you agree to our T&C
Maternity Insurance Plan Details
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Product Benefits
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Plan Highlights
- Cumulative Bonus Super boosts your Sum Insured to 7x in five years, even if you claim.
- Unlimited Automatic recharge if you exhaust the sum insured anytime during the year.
- No sub-limits on hospitalisation, AYUSH treatment, advanced technology procedures, etc.
- Up to 30% discounts on renewal premiums to encourage you to stay physically active.
- Unlimited E-consultations with discounts on Diagnostics, Pharmacy, & Consultations.
- Optional coverage for in-clinic OPD consultations with physicians and specialists.
Plan Details
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- Exclusions
Claim Process
- Cashless
- Reimbursement
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FAQS on Maternity Insurance Plan
Q. When should I buy JOY- Maternity Health Insurance Plan?
You can buy a maternity insurance plan when you are ahead in planning a family. Under our maternity/pregnancy insurance cover “Joy Today”, we cover maternity expenses after 9 months, and in the case of another cover called “Joy Tomorrow,” we cover maternity expenses after 2 Years.
Q. Can I get JOY- Maternity Health Insurance while pregnant?
No, you can’t buy JOY- Maternity Health Insurance while pregnant. You can take maternity insurance when ready to welcome your bundle of joy. However, the benefit is only available if the delivery happens after the waiting period. So, it is advisable to buy maternity insurance as early as possible. Care’s Joy Maternity Insurance Plan will provide essential coverage.
Q. What is the Waiting Period for JOY- Maternity Insurance?
We have two maternity health insurance products their respective waiting period is mentioned as below:
- Joy Today: 9 months
- Joy Tomorrow: 3 years
Q. What is the minimum and maximum age for JOY- Maternity Health Insurance?
The eligibility for maternity health insurance is:
- Minimum Age: Adult: 18 years or above
- Maximum Age: 45 years
Q. Is Pregnancy Considered a Pre-existing Condition for Health Insurance?
No, if you get pregnant before enrolling in a health plan and delivery happens after the waiting period, you are eligible to avail of the benefit.
Q. Is Pregnancy Termination Covered in Maternity Coverage?
Self-termination of pregnancy is not covered under maternity coverage.
Q. Is 2nd Child Birth Covered Under Maternity Coverage?
Yes, 2nd childbirth is covered under maternity coverage if the maternity sum insured is not exhausted.
Get Assistance with Personalized Plans
Reach out to us at
Sales:1800-102-4499
Services:
8860402452
Live Chat
Joy: UIN - RHIHLIP21373V022021
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Dec 2025
**Number of Claims Settled as of Dec 2025
~~Claim Settlement Ratio for the period April 2025 to Dec 2025
^The premium is calculated for JOY Tomorrow for one individual aged 18, with โน3 lakh coverage in a Tier 3 city, with a 24-month maternity waiting period, and a 1-year policy tenure.
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